Who Has Affordable Auto Insurance for a Ford F-150 in Virginia Beach?

Buying economical coverage for a Ford F-150 is fairly simple, but it is dependent upon lots of different rating factors such as whether you are single or married, whether you are claim-free, and blemishes on your driving record. Drivers pay approximately $755 per year to insure their F-150, but that price is a projection based upon a 40-year-old single male driver with full physical damage coverage and $1,000 deductibles.

There is a good probability you are not 40 years old and maybe not even male, maybe you are married instead of single, or maybe your F-150 doesn’t need full coverage. Auto insurance is not the same for everyone, so the only real way to find the cheapest rates for your Ford is to do your own rate comparisons.

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The specific model of F-150 has an effect on the yearly cost, so the rate you pay to insure a F-150 XL Regular Cab 2WD trim level will be $178 less than the price to insure the more expensive F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the prices below.

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific Virginia Beach garaging location which can affect coverage rates significantly.

Best car insurance in Virginia Beach

Selecting a highly-rated car insurance company can be challenging considering how many different companies sell coverage in Virginia. The company information shown next could help you analyze which insurers you want to consider when trying to find the cheapest insurance for a Ford F-150. These rankings only include companies who write in the majority of U.S. states, so companies that only write business in Virginia or surrounding areas are not factored into the list.

Top 10 Major Car Insurance Companies in Virginia Beach Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Top 10 Major Car Insurance Companies in Virginia Beach Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Erie Insurance – A+
6. Titan Insurance – A+
7. Esurance – A+
8. Progressive – A+
9. Nationwide – A+
10. The Hartford – A+

The example below illustrates how your choice of deductibles can raise or lower insurance rates when quoting cheap insurance for a Ford F-150. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

In the chart above, a 30-year-old driver could lower their policy premium by $294 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $444 by selecting a $1,000 deductible. Even younger drivers, such as the 20-year-old example, can cut as much as $624 or even more just by using higher deductibles. When choosing a higher deductible, it is a good idea to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Types of discounts on Virginia Beach insurance rates

Car insurance companies that offer cheap quotes for a Ford F-150 may have price discounts that can lower rates by 25% or more if you can meet the requirements. Larger car insurance companies and some of the premium reductions they offer are outlined below.

• AAA has savings for anti-theft, good driver, good student, multi-policy, and pay-in-full.
• Progressive offers discounts including good student, multi-vehicle, homeowner, multi-policy, and continuous coverage.
• State Farm discounts include Steer Clear safe driver discount, Drive Safe & Save, accident-free, multiple autos, multiple policy, safe vehicle, and student away at school.
• Esurance offers premium reductions for paid-in-full, renters, anti-lock brakes, good driver, homeowner, and good student.
• Nationwide has discounts for business or organization, family plan, anti-theft, accident-free, multi-policy, defensive driving, and Farm Bureau membership.

The information below visualizes the comparison of insurance costs with and without discounts. The premium estimates are based on a female driver, no violations or accidents, Virginia state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with accident-free, anti-theft, vehicle safety, marriage, safe-driver, and claim-free discounts applied. When discounts are factored in, the average amount saved each year on car insurance for a Ford F-150 is 28% or $392.

How to find low-cost car insurance for a Ford F-150

The list below shows some of the better penny-pinching solutions that can help Virginia Beach drivers get cheap coverage.

• On older vehicles, drop full coverage
• Raise comprehensive and collision coverage deductibles
• Buy safe vehicles
• Clean up your credit
• Serious violations like DUI or reckless driving can increase rates dramatically
• Avoid preventable accidents
• Shop around once a year for cheaper rates

The last suggestion is especially valuable, as we discussed in the article above. Car insurance prices in Virginia Beach vary considerably, so don’t be tentative to switch carriers if a cheaper rate is available. Many drivers have brand loyalty and that’s fine, but we do not recommend it if that loyalty ends up costing money that could be going to better use. Take a couple minutes and compare rates and find cheaper insurance for a Ford F-150.

If you prefer to have professional advice when trying to find the best insurance rates for a Ford F-150, the agencies below can most likely help you make a decision which coverages you need. To locate a Virginia Beach car insurance agency close to where you live, click the button at the bottom of the list.

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